"While the reforms vary from country to country in terms of whether the affiliation to the privately managed funded system is voluntary or mandated, the level of contribution to the private system, and the continuation of coverage under the public supplemental social security systems; there are substantial similarities in the design and regulation of the private pension funds." http://documents1.worldbank.org/curated/en/22859146875776234...

"In the insurance and supplemental social security area, Nasi engages activities in incorporating insurance companies, health cares, pension funds and insurance brokerage companies, in corporate interests purchase and sale transactions (M&A), and in drafting and reviewing reinsurance and open and closed to the public supplemental social security coverage agreements, besides providing legal assistance in procedures of products’ approval before regulatory bodies." https://www.machadomeyer.com.br/en/lawyers/pedro-nasi

Para a Europa eles costumam usar o termo scheme.